<?xml version="1.0" encoding="utf-8"?>
   <!-- Electronic Commerce Modeling Language v2 -->

   <xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema"
     elementFormDefault="qualified">

     <xs:attribute name="Mode">
       <xs:simpleType>
         <xs:restriction base="xs:string">
           <xs:enumeration value="Query"/>
           <xs:enumeration value="Assert"/>
         </xs:restriction>
       </xs:simpleType>
     </xs:attribute>
     <xs:attribute name="id" type="xs:ID"/>
     <xs:complexType name="EcomSimpleText">
       <xs:simpleContent>
         <xs:extension base="xs:string">
           <xs:attribute ref="Mode" use="optional"/>
           <xs:attribute ref="id" use="optional"/>
         </xs:extension>
       </xs:simpleContent>
     </xs:complexType>

     <xs:element name="Ecom">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="ShipTo"/>
           <xs:element ref="BillTo"/>
           <xs:element ref="ReceiptTo"/>
           <xs:element ref="Payment"/>
           <xs:element ref="Loyalty"/>
           <xs:element ref="User"/>
           <xs:element ref="Merchant"/>
           <xs:element ref="Transaction"/>
           <xs:element ref="TransactionComplete"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="ConsumerOrderID" use="optional"/>
         <xs:attribute name="Merchant" use="optional"/>
         <xs:attribute name="Processor" use="optional"/>
         <xs:attribute name="SchemaVersion" type="xs:string"
           fixed="urn:ietf:params:ecml:v2.0"/>
         <xs:attribute name="WalletID" use="optional"/>
         <xs:attribute name="WalletLocation" type="xs:anyURI"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="ShipTo">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Postal"/>
           <xs:element ref="Telecom"/>
           <xs:element ref="Online"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="BillTo">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Postal"/>
           <xs:element ref="Telecom"/>
           <xs:element ref="Online"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="ReceiptTo">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Postal"/>
           <xs:element ref="Telecom"/>
           <xs:element ref="Online"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Postal">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Name"/>
           <xs:element ref="Company"/>
           <xs:element ref="Street"/>
           <xs:element ref="City"/>
           <xs:element ref="StateProv"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="PostalCode" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="CountryCode" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Telecom">
       <xs:complexType mixed="true">
         <xs:sequence maxOccurs="unbounded">
           <xs:element name="Phone">
             <xs:complexType>
               <xs:attribute ref="Mode" use="optional"/>
               <xs:attribute ref="id" use="optional"/>
               <xs:attribute name="Number"/>
             </xs:complexType>
           </xs:element>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Online">
       <xs:complexType mixed="true">
         <xs:sequence maxOccurs="unbounded">
           <xs:element name="Email">
             <xs:complexType>
               <xs:attribute ref="Mode" use="optional"/>
               <xs:attribute ref="id" use="optional"/>
               <xs:attribute name="Address"/>
             </xs:complexType>
           </xs:element>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Payment">
       <xs:complexType>
         <xs:sequence>
           <xs:element name="Card">
             <xs:complexType>
               <xs:sequence>
                 <xs:element ref="ExpDate"/>
                 <xs:element ref="ValidDate" minOccurs="0"/>
               </xs:sequence>
               <xs:attribute ref="Mode" use="optional"/>
               <xs:attribute ref="id" use="optional"/>
               <xs:attribute name="Name" use="optional"/>
               <xs:attribute name="Type" type="xs:NMTOKEN"
                 use="optional"/>
               <xs:attribute name="Number" type="xs:decimal"/>
               <xs:attribute name="Protocols" type="xs:NMTOKENS"
                 use="optional"/>
               <xs:attribute name="Verification"
                 type="xs:NMTOKEN" use="optional"/>
               <xs:attribute name="Issuer" type="xs:NMTOKEN"
                 use="optional"/>
             </xs:complexType>
           </xs:element>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Loyalty">
       <xs:complexType>
         <xs:sequence>
           <xs:element ref="ExpDate"/>
           <xs:element ref="ValidDate" minOccurs="0"/>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Name" use="optional"/>
         <xs:attribute name="Type" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Number" type="xs:NMTOKEN"/>
         <xs:attribute name="Verification" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="ExpDate">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Day" type="xs:positiveInteger"/>
         <xs:attribute name="Month" type="xs:positiveInteger"/>
         <xs:attribute name="Year" type="xs:positiveInteger"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="ValidDate">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Day" type="xs:positiveInteger"/>
         <xs:attribute name="Month" type="xs:positiveInteger"/>
         <xs:attribute name="Year" type="xs:positiveInteger"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="User">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="UserID"/>
           <xs:element ref="Password"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="CertificateURL" type="xs:anyURI"
           use="optional"/>
         <xs:attribute name="DataCountry" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="DataLanguage" type="xs:language"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Transaction">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Id"/>
           <xs:element ref="Code"/>
           <xs:element ref="Date"/>
           <xs:element ref="Data"/>
           <xs:element ref="Inquiry"/>
           <xs:element ref="Signature"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute name="Currency" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Type" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Date">
       <xs:complexType>
         <xs:sequence>
           <xs:element ref="Effective" minOccurs="0"/>
           <xs:element ref="Settle" minOccurs="0"/>
           <xs:element ref="Capture" minOccurs="0"/>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Data">
       <xs:complexType mixed="true">
         <xs:choice minOccurs="0" maxOccurs="unbounded">
           <xs:element ref="Trace"/>
           <xs:element ref="PrivateUse"/>
           <xs:element ref="Response"/>
           <xs:element ref="AAV"/>
           <xs:element ref="Track1"/>
           <xs:element ref="Track2"/>
         </xs:choice>
         <xs:attribute ref="Mode" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Merchant">
       <xs:complexType>
         <xs:sequence>
           <xs:element name="Terminal">
             <xs:complexType>
               <xs:attribute ref="Mode" use="optional"/>
               <xs:attribute ref="id" use="optional"/>
               <xs:attribute name="Data" use="optional"/>
             </xs:complexType>
           </xs:element>
         </xs:sequence>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
       </xs:complexType>
     </xs:element>

     <xs:element name="AAV" type="EcomSimpleText"/>
     <xs:element name="Capture">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Day" type="xs:NMTOKEN"/>
         <xs:attribute name="Month" type="xs:NMTOKEN"/>
         <xs:attribute name="Year" type="xs:NMTOKEN"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="City" type="EcomSimpleText"/>
     <xs:element name="Code">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute name="Processing" use="optional"/>
         <xs:attribute name="Approval" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Retrieval" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Action" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Reason" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="POS" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Company" type="EcomSimpleText"/>
     <xs:element name="Effective">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Day" type="xs:NMTOKEN"/>
         <xs:attribute name="Month" type="xs:NMTOKEN"/>
         <xs:attribute name="Year" type="xs:NMTOKEN"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Id">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="CID" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Reference" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Acquire" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Forward" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Inquiry">
       <xs:complexType>
         <xs:simpleContent>
           <xs:extension base="xs:anyURI">
             <xs:attribute ref="Mode" use="optional"/>
             <xs:attribute ref="id" use="optional"/>
           </xs:extension>
        </xs:simpleContent>
       </xs:complexType>
     </xs:element>
     <xs:element name="Name">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Prefix" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="First" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Middle" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Last" type="xs:NMTOKEN"
           use="optional"/>
         <xs:attribute name="Suffix" type="xs:NMTOKEN"
           use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Password" type="EcomSimpleText"/>
     <xs:element name="PrivateUse" type="EcomSimpleText"/>
     <xs:element name="Response" type="EcomSimpleText"/>
     <xs:element name="Settle">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Day" type="xs:NMTOKEN"/>
         <xs:attribute name="Month" type="xs:NMTOKEN"/>
         <xs:attribute name="Year" type="xs:NMTOKEN"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Signature">
       <xs:complexType>
         <xs:simpleContent>
           <xs:extension base="xs:string">
             <xs:attribute ref="Mode" use="optional"/>
             <xs:attribute ref="id" use="optional"/>
           </xs:extension>
        </xs:simpleContent>
       </xs:complexType>
     </xs:element>
     <xs:element name="StateProv" type="EcomSimpleText"/>
     <xs:element name="Street">
       <xs:complexType>
         <xs:attribute ref="Mode" use="optional"/>
         <xs:attribute ref="id" use="optional"/>
         <xs:attribute name="Line1"/>
         <xs:attribute name="Line2" use="optional"/>
         <xs:attribute name="Line3" use="optional"/>
       </xs:complexType>
     </xs:element>
     <xs:element name="Trace" type="EcomSimpleText"/>
     <xs:element name="Track1" type="EcomSimpleText"/>
     <xs:element name="Track2" type="EcomSimpleText"/>
     <xs:element name="TransactionComplete">
       <xs:complexType/>
     </xs:element>
     <xs:element name="UserID" type="EcomSimpleText"/>

   </xs:schema>
